USDC

deedoi28

If u search online, all bitcoin ETF averages are at 80-90k. All ETF outflows are huge. And, US GOVT would like people to buy stable coin and then they buy US bonds, not Bitcoin. Stable coin likes CIRCLE/USDC would benefit from clarity acts. I don’t understand how Bitcoin will benefit !? 🤦

coinfeeds-bot

tldr; Charles Hoskinson announced an agreement between Cardano's Pentad and Circle to integrate USDCx, a privacy-focused version of USDC, into the Cardano ecosystem. USDCx is designed for institutional use, offering private transaction details while maintaining a 1-to-1 reserve model with USDC. This integration aims to enhance Cardano's DeFi liquidity, credibility, and institutional readiness, potentially attracting more participants and strengthening its decentralized finance infrastructure. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

hi-leo-4242

You’re feeling what *everyone* feels in their first real drawdown. The emotional part doesn’t mean your plan is wrong — it means your position size is finally big enough to matter. That’s a rite of passage. Since you’re still in profit *for now*, there’s one practical thing people don’t talk about enough during dips: **tax-loss harvesting**. *NOT TAX/INVESTMENT ADVICE, DYOR.* If price drops below your cost basis on some of your buys, you can: 1. Sell the lots that are at a loss 2. Realize the capital loss for tax purposes 3. Use that loss to offset capital gains (stocks, crypto, etc.) or up to ordinary income limits (depends on country) 4. Re-enter the position after (or sometimes immediately, depending on local rules) You end up: * Still holding BTC exposure * Reducing your tax bill * Turning volatility into an asset instead of just pain Big players do this constantly in choppy markets. Retail mostly just watches PnL go red and suffers. This doesn’t change your long-term conviction — it’s just risk management and tax efficiency while you wait. Bear markets are where positioning and structure matter more than hype. Also, separate two things mentally: * Price pain (temporary, emotional) * Thesis break (fundamental, rare) If the thesis hasn’t changed, this phase is about survival and smart positioning, not prediction. First cycle hurts the most. The second one feels “normal.” The third one feels like opportunity. You’re not weak — you’re just early in the psychological game. ✨PSA: I built a product called [Accret.xyz](https://accret.xyz/) to help serious crypto investors to set up **DCA buy/sell onchain** on Base/Solana network with much lower trading fees, earn up to 7% yield on your idle USDC, **automated tax loss harvest** service (if you know, you know :) ) and 100% self-custody 💪 Give it a try if you are interested, and let me know what you thinks! KEEP CALM and HODL ON!!!

Sharlach

Coinbase pro is better if you're actively trading. We mostly just buy and hold though, so I don't even know what the fees are. We like to park cash in USDC for the yield too. Plus we do use the credit card, and that has minimum balances you have to maintain. I think in general Coinbase is the gateway crypto exchange for most people. Sleek, easy to use, and not intimidating, etc. I've personally never had a problem with anything, either, so I've had no reason to switch to anyone else. I still have the same bank account I opened when I was 18 too.

GabeSter

Personally sitting at 1 hour and 25 minutes waiting for my low four digit Kraken USDC withdrawal.

watch-nerd

USDC is a good project

watch-nerd

"Your BTC-USDC order was filled" |Price|69,420.69 USDC| |:-|:-|

CeFurkan

I started withdrawing my USDC i hope not shut downs until i do all

goldticketstubguy

Have any of you reloaded on USDC? We can all help. However low this dip goes, we have a better chance of going to the moon if we DCA together. Do you understand? Apes together, strong.

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Post is by: badco1993 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qwcbtw/kaspa/ Kaspa's tech is already a beast for real-world, everyday use: sub-second confirmations, 10 BPS on the horizon (post-Crescendo), thousands of TPS potential, near-zero fees, and pure PoW security without compromises. This makes it perfect for the one sector that's proven crypto has massive, recurring volume today—**gaming** and **esports** economies. Think about it: * In-game skins, cosmetics, loot boxes, and virtual item trading (CS2, Roblox, Fortnite-style marketplaces) generate billions in annual microtransactions. * Esports betting, play-to-earn rewards, streaming tips, cross-game asset portability—all need ultra-fast, low-latency, congestion-proof settlement. * Current chains struggle: Ethereum gas spikes kill UX, Solana has outages at peak, centralized solutions lack trust/decentralization. Kaspa solves this natively on L1—no L2 hacks needed for basic high-frequency flows. At 10 BPS, we can handle hyper-fast tx for thousands of concurrent players without blinking.The opportunity: If we drive adoption here first, we create a flywheel of daily on-chain volume that could dwarf many L1s. Gamers are young, tech-savvy, and already crypto-curious—get them using KAS for in-game purchases, and it becomes habit.Proposal: Create a dedicated Kaspa Gaming Bounty Program / Incentive FundBuild on the existing community DevFund model (donations to treasurers, public votes in #devfund/#funding-pools) and expand it specifically for gaming:Sample Bounty Ideas (with rough reward tiers in KAS): * $5,000–$20,000 equivalent in KAS → Build & open-source a Kaspa payment SDK/plugin for Unity/Unreal Engine (easy in-game tx for skins/rewards). * $10,000–$30,000 pool → First 3–5 indie games (or Roblox/Unity prototypes) that go live with Kaspa-integrated microtx (proof via on-chain volume + demo). * $2,000–$10,000 each → Wallet integrations for gaming platforms (e.g., seamless Kaspa QR/payments in Telegram mini-games, Steam-like marketplaces, or esports payout tools). * Bonus: High-throughput tools (e.g., batching for 10k+ tx/min during tournaments) or bridges for stablecoins in gaming (USDC on Kaspa for fiat-like feel). How to fund & run it: * Seed from community donations (add a "Gaming Fund" wallet address, managed via multisig + public votes like current DevFund). * Start small: Target 500k–2M KAS initial pool via crowdfunding campaign in Discord/Reddit. * Post bounties on GitHub, Discord, or a simple bounty board (inspired by Gitcoin-style but Kaspa-native). * Community/review team verifies completions (e.g., merged PR + live demo with real Kaspa tx). This isn't reinventing the wheel—Kaspa already does routine bounties and community funding pools. We're just laser-focusing on the highest-leverage vertical: gaming microtx to drive daily volume and prove Kaspa's edge.What do you think? * Would you donate to / support a Gaming-specific fund? * Devs here—interested in claiming these bounties? * Ideas for better bounty specs or first targets (e.g., specific games/studios)? * Any existing gaming projects on Kaspa we should amplify? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Dugtrio_Earthquake

Stable coins are great as an alt currency.   Seriously,  fuck Visa and Mastercard and Swift. A USDT/USDC transaction costs me $0.07 instead of the 3% interchange rate the bankers want to charge. Btc sucks as a currency because of the insane valuations.

Epictricker2025

I already bought at the beginning of the bear run namely USDC, PAXG and XAUT. But if you mean what im going to buy after the bear market it's going to be BTC, XRP and HYPE.

Rich_Butterscotch202

I’m really struggling with that. I think what I’m going to do is if the price stays firm throughout Saturday I will probably hold and then sell all of it Sunday a few hours before the Super Bowl, and keep it in USDC (Since Solana is super unstable right now) and then just watch it the following week and if it continues to go up, I will just put a little more in that I don’t mind losing… And ride that out. This coin is not connected to MrBeast so my theory is that once the Super Bowl is over and everybody sees that MrBeast did not promote it, you are going to have a lot of people that are going to exit. The majority of people already know it is not sponsored by MrBeast, but who knows the amount of people that have money in it that don’t…

Elemental_Breakdown

Don't most of the exchanges do this for you? Anyway, if you need the money for living expenses you *expected* to have, you shouldn't have invested it in anything but a savings account with interest or USDC with interest. If you don't absolutely need it then you are fine, it's doing exactly what we expected it to do and you probably need to wait until the next ATH to sell a little. The next price it's probably going to test is $68,000.

CriticalCobraz

**Key Points:** * Charles Hoskinson announced on January 29, 2026, that the Cardano Pentad and Circle have signed an integration agreement to bring USDCx to the Cardano ecosystem. * USDCx is Circle’s privacy-focused version of USDC, designed to provide a trusted dollar asset with enhanced privacy features, enabling confidential transactions on blockchain. * This integration aims to boost institutional adoption, improve liquidity, and strengthen Cardano’s DeFi ecosystem by aligning with a major stablecoin issuer. The move is part of the Cardano Pentad’s Critical Infrastructure Proposal, funded through on-chain governance.

AwareChair6095

Use the market that has lowest fees and best bid/ask spread. Probably it's cheaper to go from EUR to BTC directly, because when you first convert to USDC there will be additional fees. Other than that there is no real difference.

SirArthurPT

USDC/T are a huge danger. They can be remotely frozen.

user_name_checks_out

If you just want to convert EUR into BTC, then I don't know why you are talking about USDC. I would not use Binance, I recommend Strike, if it is available in your jurisdiction, otherwise Kraken.

Sea-Environment-5938

From a markets perspective, ADA’s underperformance isn’t that surprising. Liquidity, stablecoin depth, and active users tend to concentrate where capital efficiency is highest. ETH L2s, Solana, and Avalanche captured real USDC liquidity early, which matters a lot for trading, DeFi, and onboarding new users. Cardano’s ecosystem growth has been slower, and that shows up clearly in TVL, volumes, and dApp usage metrics. Tech philosophy aside, markets tend to reward traction first and research later.

perceptual01

By no means am I pro binance but my USDC withdrawal on kraken took 15-20 min to process the other day. We going to write an article about that too? This is silly IMO

graytleapforward

ADA never adopted USDC or USDT when it mattered. Unfortunately that ship has sailed.

durants

You say USDC on Solana, but the address you provided is an Ethereum address (0xb47d79796148c8ca5c827fa237c56a266ecf5bd2). https://etherscan.io/address/0xb47d79796148c8ca5c827fa237c56a266ecf5bd2#tokentxns Does your wallet also have access to Ethereum and its tokens?

CoinHelpGuy

Dude that Banxa/TrustWallet mess sucks—I've seen this before where funds "vanish" to random addresses but are actually stuck on Solana network. Your USDC isn't gone, just trapped on Solana (not Ethereum/Base).Quick fix: Download Phantom wallet (Solana only), import your seed phrase, swap USDC to SOL there (super cheap), then bridge/send to Base or Coinbase for Polymarket.Hit my DMs if you get stuck on the wallet import or swap—happy to walk you through it step by step.

HedgehogGlad9505

If by stable you mean the dollar value always stays the same, then USDC. If you mean something always going up every single day, such thing does not exist.

uthillygooth

USDC going to 2$ soon

jagharendratmig

Congratulations, this is a perfect time to deploy fresh money in to infrastructure related coins and eth & USDC for staking. I would say that you should wait until the current technical brakedown has stabilized. We need to get rid of some weak hands now and when we run out of sellers the price will stop falling and is ready to resume upward trajectory.

Phine420

If I find USDC in my wallet I just buy eth. Rinse and repeat

No-Contribution9918

You're not wrong, but it is also unsurprising. Mob mentality is a Reddit-wise. Cardano already has bridged USDC, and it did nothing for them. ADA and DOGE where the only two coins in the top ten to not reach a ATH in terms of price or market cap.

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Post is by: KarimHann and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qtlk0i/sold_btc_into_usdc_erc20_now_want_to_get_back/ Hey everyone, Quick question, looking for some advice. A while ago I sold some BTC into USDC on Ethereum (ERC-20) to sit in stablecoins for a bit. Now I want to rotate back into BTC exposure. Since I’m already on Ethereum, I’ve been looking at WBTC as the easiest way to get back into “Bitcoin” without having to bridge or move funds to a centralized exchange. From what I understand, WBTC seems to be the main BTC representation on Ethereum with the most liquidity, so swapping: USDC → WBTC on something like Uniswap feels like the most straightforward option. The reason I’m hesitant about using third-party swap services (Changelly/Rango/etc.) Or centralised exchange like coinbase,binance,kraken etc is that I’ve heard they can sometimes freeze transactions or ask for KYC/proof of funds, and I’d rather avoid that kind of hassle if possible. So I wanted to ask: • Is Uniswap the best way to do a clean USDC → WBTC swap? • Any risks I should be aware of (slippage, MEV, custodian risk with WBTC)? • Would you recommend WBTC or something else like tBTC? Appreciate any input just trying to do this in the simplest and safest way. Thanks! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

SBX-Bronx

Listen, you buy, you hold, but you do sell some eventually to take in some profits. I always wait after a year to pay less capital gains. You never sell everything. Since BTC fluctuates a lot, you can sell some when it goes up. Always have a stash you don’t sell. Then buy again when it drops. There is one thing that’s guaranteed in crypto and stocks. They will always go up and down, but don’t try to time the market. Set a percentage of profit in your mind, like let’s say. If it goes up to 40% or more and you have been holding got more than a year take the profit on 1/2 of what you own. Then keep the money in USDC earning 3.65 % and have buy orders in your advance trading exchange with that same money. So when it goes down you are buying again. Rinse and repeat.

Django_McFly

It's not *buy whenever and hodl* on "majors"... whatever that even means given what SOL and ETH did. Both of them were only above their 2021 high for like 5 hours before crashing below it. There were good gains to be made, but you have to make strategic entries now. You have to buy when it's in the shitter. BTC fell to $17k. SOL to $20. ETH was $900. As long as you started getting in by the time it was 2X off the bottom, you made out like a bandit. What you don't want to do is top tick, wait four years and find out that had you bought USDC instead and put it into Aave, you'd have made that 5% in a (singular) year.

Kind-Marionberry-333

Just so others understand what OP did was a manually operated Leveraged Long. When people say "don't play with leverage" this option is often overlooked... Sorry OP. Happened to me back when USDT and USDC depeged. You will recover ♥️

Yoxuu

Not even close, article doesn’t share the full truth. He swapped on chain like 40k BTC between Aug-Oct for 890k ETH. Sure he has like 200m in USDC just chilling as well. Painful loss for sure but nothing really for his net worth.

amyo_b

This is far better than USDC or USDT if the reserves actually undergo monthly GAAP audits. Neither of those coins do, they just do attestations, which can be faked. If Fidelity does this it could easily emerge as the most trusted of stable coins.

_Commando_

I wonder how much gold USDC has, and also the US Gov...

alfaproject

I don't know Morpho, but in Nexos when you set up the loan, you need to select the repayment date, and depending on the date, there is a minimum and maximum price that the collateral is sold for. So for instance, you borrow 4000 USDC against ETH, and then I can select to pay it in 25th December of 2026 at a minimum of 1400 or maximum of 3000. It's explained in the article that I linked as well.

PirateSKB

Made around $2200ish on a trade recently and moved it to USDC before the dip happened. No real complaints I guess

annaopolis

I’ve been here since 2020 so yes I have. Enough to know selling at a loss never makes sense and you could simply accumulate more cash to reinvest at your next buy point and lose 0. Throw a recurring USDC buy on set a limit order and close your phone. Stop screwing yourself

pcm2a

I can only think of three reasons someone would put it in USDC or USDT. (1) They are moving between tokens or waiting to enter and aren't using an exchange where it could sit as insured cash. (2) They want to gain interest that is higher than HYSA and are willing to take a risk that the token collapsed and they lose it all. (3) Non U.S. countries may want to use it as a hedge against their countries inflation, if it worse.

csfrayer

Wouldn't it be for the same reason they'd move their cash to USDC or USDT that can freeze and monitor funds?

uthillygooth

USDC going to 2$ soon.

chanmalichanheyhey

swapped some XSGD for USDC on uniswap and its hanging for the longest of time.

Patient-Bumblebee

> Once that happens or if ever does it will be a Stable coin, USDC not some random shitcoin. While that may be true, agents still need yield. They still need lending. They still need hedging. These agents wont be interacting with legacy TradFi APi. They will be interacting with DeFi. DeFi is literally programmable money. It's extremely important for agents. And its poised for huge growth as agents become in charge of our transactions.

newyorker8786

Once that happens or if ever does it will be a Stable coin, USDC not some random shitcoin.. I’ve been in this space since 2016 there was so much hype for web3 now it fizzled.

Advanced-Summer1572

Yes, the partnership between Visa and Circle to settle transactions using USDC stablecoin on the Solana blockchain is active, with expanded availability planned through 2026. This pilot allows U.S. issuer and acquirer partners to settle financial obligations directly in USDC, increasing efficiency. Key Updates as of 2026: Visa/Circle Settlement: As of December 2025, Visa announced the launch of USDC settlement for U.S. partners, with broad availability planned throughout 2026. Expansion: The program supports faster funds movement on the Solana blockchain and integrates with Circle's upcoming "Arc" blockchain. Separate Initiative: Note that a different, unrelated "Visa Bond Pilot Program" for B-1/B-2 visas is also active from August 20, 2025, to August 5, 2026.

_Jimmy_Rustler

>USDC yield at Coinbase are well below most money markets. The ongoing debate about stablecoins isn't specific to coinbase. It's about all crypto including defi. Money markets do not come close to what is offered on defi.

gcbeehler5

When was the last time you had to pay your bank a monthly fee to get a higher yield? USDC yield at Coinbase are well below most money markets.

Banvincible

Largest institutional holders are mostly American, and the value is partially pegged to the dollar through things like USDC.

uncapchad

Well I've seen many claims of deadness again today but as the saying goes, they are greatly exaggerated. There's no reason for Bitcoin to die. No exchange collapsed, no-one ran off with all of Saylor's stash. No new bannings have come into effect. In fact today Binance announced it will gradually convert its entire $1 billion Secure Asset Fund for Users (SAFU) from USDC into Bitcoin over the next 30 days, completing the transition by February 29, 2026.

RefrigeratorLow1259

This simply means that Cardano is getting a superior implementation of USDC. USDCx removes the main barrier preventing institutional players from joining the DeFi space. Standard USDC on chains like Ethereum or Solana provides transparent, 1:1 USD-backed stability for DeFi, payments, and trading, but all transaction details (sender, receiver, amounts) are publicly visible on the blockchain. Institutions do not like this.

SilkenicDud

Hey, so that advice might be worth a shot. Usually, banks see transfers as safer than card payments, so they're less likely to block them. Just keep in mind it really depends on your bank. Some folks are good for ages, while others get flagged out of nowhere if their usual activity changes – even if everything's legit. Honestly, that random uncertainty is the real issue. You could be doing the same thing each month then suddenly get frozen with zero warning. That's why some folks split things up and go with something built for crypto instead of messing with old-school bank rules. I've heard people talk about blackcatcard. It’s an EU thing that’s got your own IBAN, crypto stuff built in (buying, selling, sending BTC, ETH, USDT, USDC) and a normal Mastercard for everyday buys. Having something like that along with your regular bank can cut down on the times you get a headache, mainly when transfers are in the mix

Aerocryptic

Quite tempted to swap a bit of my USDC for PAXG on this dip

PsychologicalBit803

I’ve been buying USDC daily over a year just waiting for this dip.

genghisquan420

Even Solana earning me 6.8% feels like a great return long term (staked since 2021), I couldn’t ever imagine feeling safe at 18%. USDC is larger than UST, but still; just because stable coins have “stable” in the name doesn’t mean they are stable. I had like 100 dollars in Terra (also 18-20% apy) for the fuck of it before the death spiral and it taught me a major lesson. People lost their life savings from the UST crash, everyone loves money but I prefer stability and long term growth over being greedy and risking it all. Owning stock, real estate, precious metals, a bit of crypto, and having liquid cash works great for me. Diversifying is the most simple fundament that people just ignore a lot of the time.

Electrical_Yam_2243

Thank you. My reading comprehension may be off.. But tether wants to keep their dreams alive - they are likely backed by brics so they have plenty of dumpster fire usd - so they keep their new world coin so they can price it against a dog shit coin backed by the us and the us dollar.  Though I doubt USDC really has intentions of backing it 1 to 1. It was simply another attempt to depeg tether from people who originally hated on bitcoin and company.  They don't realize that they can't beat semiconductors and math. I honestly believe semiconductors are here by design to help us push towards a more optimal life experience here on earth. Heven. Hell. Whatever yall wanna call it.. God gifted us this opportunity. And here comes our 80 year old politicians trying to still ruin our children's potential.. Then they will beg our children to bail them out.. Shooting for nothing but profits isn't Optimal.  Besides, Aliens told me that data is our most valuable form of exchange.  But only if the world trusts that data.  No one is going to care about our bitcoin if we suddenly all die 100 years from now... But they will care about our data 

Electrical_Yam_2243

The world is moving on... USDC will not be backed one to one with the US dollar.  Anyone who believes that is a moron.  I would never purchase any stable coin backed one to one with the US dollar.  I need my future to be backed by FUTURE NOT old politicians, old economies stuck in the industrial age, old obsolete near end of life currency like the Bolivar or us dollar...  Who is going to accept your stable coin if it's backed by a currency no one wants to use anymore? Are yall really this clueless? Tether isn't going to allow dump people like Trump to ruin their idea of future.  Our government doesn't belong here.  We do.. Our government doesn't create heaven on earth. We do. Thats why gid and I am here - to get rich by killing middle men with kindness.. maybe

Electrical_Yam_2243

It's because the world wants a real currency.  Tether is the transparent one. Your government is not. Only the biggest dumbass im the world would back any stable coin one to one with a failing and obsolete economy, fed, and US Dollar in the DIGITAL AGE. You are all mostly still bots, or incredibly uneducated. This is the world leaving the US dollar behind.  No intelligent GENIUS would back ANY stable coin with the Bolivar.. OR the US Dollar.  I told yall this when your US government was here attacking tether with bots and also attacking tether alongside the other dumbasses that push USDC. I'll take tether because it is ram by people smart enough to see the brilliance.. While the US government amd USDC creators were originally oblivious and didn't get it. That's because they are morons.. But now they wamt you to think they are smart for playing catch up. Nope. You're still a loser trying to force tether to die with the US Dollar.  The world moves forward and tether, or our new and much deserved forms of exchange will have to be backed by something greater than an obsolete currency stuck in the INDUSTRIAL AGE.  YALL STILL DON'T GET IT OR FUTURE

PhoenixJ3

"Consistently" after people gave up actually using the network for daily life in 2017, when the blocks were full and fees sky high; which would happen again if network usage rose. I watched it happen in real-time. Remember when Steam accepted BTC, but then stopped because fees got too high so people stopped buying games with it? The blocksize limit is either a grave mistake or a poison pill intended to keep BTC under control. Real digital cash users have moved on to coins like USDC/USDT, BCH, and XMR.

CantStopAddicted2

Make sure u are using Pro Mode or Pay for Coinbase subscription for less fees. Also I would Buy 200 of USDC and set a daily buy through the week using the 200 in usdc to catch the daily drops and Falls for a true DCA. Only buying once a week u could miss some big dips

Phine420

I farmed it back at 30c and sold it to compound, saw the run to 2.20$ back to 50c - 1.1$ and back down where we are now. Instead of selling I deposit it at Moonwell and borrow USDC against it

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Post is by: Mobile-Apartment4513 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qqdkeq/what_is_the_best_way_to_exchange_money_to_usdc/ Basically title. What is the best exchange? I want to then transfer it to my personal wallet. I tried buying from within the wallet but the only option with reasonable fees where limited to 300 EUR. I want to exchange about 1k to USDC. For later also what is the best way to exchange USDC to FIAT? I don't really care for whether it's EUR or USD but I feel like paying like 2% fees when exchanging money is a ripoff. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Shichroron

everyone can issue a stablecoin - non of that matter. What matter are the actual stablecoin that drive transaction (basically USDT + USDC) Also speed doesn't matter above a certain threshold. Eth is fast enough.

Positive_Research402

So yo udeposit from UK bank to Sling and there you withdraw USDC to exchange like coinbase ? And the bank doesn't stops transfers towards Sling ?

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Post is by: LuminousAviator and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qq9whf/kraken_just_quietly_removed_the_30k_usd_interest/ Hey everyone, just a heads-up for anyone trading Multicollateral Futures especially in the EEA/EU but also for everyone else. Kraken just implemented a major change to how interest is charged on unrealized losses. **The Change:** The "interest-free buffer" for losing positions has been slashed from 30,000 USD to 0 USD. **Why this matters (especially for EUR / Stablecoin holders):** Kraken Futures settle in USD. If your trade is currently in the red (unrealized loss), Kraken considers that you "owe" them that USD value. * **If you have USD in your wallet:** No problem. * **If you only have EUR, EURC, USDC, USDG (or other cryptos) as collateral:** You are now technically borrowing the USD to cover that loss from the very first cent. **The Cost:** Kraken is charging **0.005% per hour** on that uncovered loss. That is roughly **43.8% APR.** **Example:** A 5,000 USD unrealized loss will cost you about 6.00 USD a day in "rent" just to keep the trade open, even if you have plenty of EUR, USDC, etc. in the account. **How to avoid it:** Make sure your **actual USD balance** (not USDC, not EUR, not crypto) is higher than your negative Unrealized PnL **inside your Futures wallet.** You can swap USDC/USDT/USDG to USD for a 0% fee inside the futures wallet to stop the bleed. **Act NOW by swapping non-USD denominated collateral into USD fiat!** *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

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Post is by: LuminousAviator and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qq9tzd/kraken_just_quietly_removed_the_30k_usd_interest/ Hey everyone, just a heads-up for anyone trading Multicollateral Futures especially in the EEA/EU but also for everyone else. Kraken just implemented a major change to how interest is charged on unrealized losses. **The Change:** The "interest-free buffer" for losing positions has been slashed from 30,000 USD to 0 USD. **Why this matters (especially for EUR / Stablecoin holders):** Kraken Futures settle in USD. If your trade is currently in the red (unrealized loss), Kraken considers that you "owe" them that USD value. * **If you have USD in your wallet:** No problem. * **If you only have EUR, EURC, USDC, USDG (or other cryptos) as collateral:** You are now technically borrowing the USD to cover that loss from the very first cent. **The Cost:** Kraken is charging **0.005% per hour** on that uncovered loss. That is roughly **43.8% APR.** **Example:** A 5,000 USD unrealized loss will cost you about 6.00 USD a day in "rent" just to keep the trade open, even if you have plenty of EUR, USDC, etc. in the account. **How to avoid it:** Make sure your **actual USD balance** (not USDC, not EUR, not crypto) is higher than your negative Unrealized PnL **inside your Futures wallet.** You can swap USDC/USDT/USDG to USD for a 0% fee inside the futures wallet to stop the bleed. **Official Source:** [Kraken Support: Fees & charges for multi-collateral Derivatives](https://www.google.com/search?q=https://support.kraken.com/hc/en-us/articles/4844392809620-fees-charges-for-multi-collateral-derivatives) *(Scroll to the 'Interest' section to confirm the new 0 USD threshold and 0.005% hourly rate.)* **Act NOW by swapping non-USD denominated collateral into USD fiat!** *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

LuminousAviator

# Kraken just quietly removed the 30k USD interest buffer for futures. EU / Global traders are now being charged 44% APR on EUR / USDC collateral. Hey everyone, just a heads-up for anyone trading Multicollateral Futures especially in the EEA/EU but also for everyone else. Kraken just implemented a major change to how interest is charged on unrealized losses. **The Change:** The "interest-free buffer" for losing positions has been slashed from 30,000 USD to 0 USD. **Why this matters (especially for EUR / Stablecoin holders):** Kraken Futures settle in USD. If your trade is currently in the red (unrealized loss), Kraken considers that you "owe" them that USD value. * **If you have USD in your wallet:** No problem. * **If you only have EUR, EURC, USDC, USDG (or other cryptos) as collateral:** You are now technically borrowing the USD to cover that loss from the very first cent. **The Cost:** Kraken is charging **0.005% per hour** on that uncovered loss. That is roughly **43.8% APR.** **Example:** A 5,000 USD unrealized loss will cost you about 6.00 USD a day in "rent" just to keep the trade open, even if you have plenty of EUR, USDC, etc. in the account. **How to avoid it:** Make sure your **actual USD balance** (not USDC, not EUR, not crypto) is higher than your negative Unrealized PnL **inside your Futures wallet.** You can swap USDC/USDT/USDG to USD for a 0% fee inside the futures wallet to stop the bleed. **Official Source:** [Kraken Support: Fees & charges for multi-collateral Derivatives](https://www.google.com/search?q=https://support.kraken.com/hc/en-us/articles/4844392809620-fees-charges-for-multi-collateral-derivatives) *(Scroll to the 'Interest' section to confirm the new 0 USD threshold and 0.005% hourly rate.)* **Act NOW by swapping non-USD denominated collateral into USD fiat!**

IhaveaHawaiianshirt

I know the post got deleted but It seems like a good time to buy up some USDC at the current price. it should go up again in t he future, right... heh heh heh.. right...

them_oysters

USDC

TisWha

Use sling money. Deposit cash to app, withdraw USDC to exchange or dex, buy BTC. And you can increase your limits for a short period if you explain the situation. Best on/off ramp I’ve seen.

ripple_mcgee

Never heard of 'arc' chain. Looks like a highly centralized, permissioned chain launched by Circle, the issuers of USDC. I'm skeptical.

SufficientClock4059

Hi José Thanks for this! Really appreciate this insight! The work you're doing with Hope for Haiti and VIA is exactly the kind of ecosystem development that makes Stellar compelling for builders like us. Your point about stablecoins denominated in local currency is spot-on for our market. We anticipate strong demand for both a digital HTG and DOP. Are you seeing more local issuance ore synthetic digital local currencies that are actually USDC. We want to work with the local regulators (i.e. Haitian central bank) vs. the ask for forgiveness route. Would love to learn more about Stellar's regional initiatives and explore how Theo might align. Happy to share what we're building if useful; we've got our first major enterprise customer (a major importer) signed and are targeting March launch. Thanks again for the thoughtful response!

Player11Squared

Excited for this discussion and thanks for doing this! Quick question about real-world payment infrastructure: We're building Theo, a digital bank for the Haiti-DR-US corridor launching Q1 2026. Our first signed customer will process remittances and merchant payments using USDC on Stellar to serve unbanked populations. We also want to issue new currencies on Theo as we launch in new countries. One technical question: As Stellar's smart contract ecosystem expands, what's the vision for compliance tooling? For cross-border payments serving underbanked communities, we need to balance financial inclusion with AML/KYC requirements. Are there developments in programmable compliance or regulatory adapters that could help fintechs navigate multi-jurisdiction requirements while maintaining Stellar's low-cost advantage? Looking forward to learning how the ecosystem is evolving to support regulated payment infrastructure! Thanks again for doing this!

DBRiMatt

I just buy low, sell higher. It's crazy, but it works! Kidding aside, I use cow.fi for trading, set limit orders and have been swapping in and out ETH and USDC No technical analysis, minimal chart reading, and I'm not even kidding the amount of swing trades I've successfully made from "buying back after burgers dump" is beyond memeworthy. You can read more of my simple experiment in [r/EthTrader](https://np.reddit.com/r/ethtrader/comments/1qhyc2h/trader_tuesday_active_trading_vs_passive_gains_5/) I'm definitely not a professional, nor am I am full time trader, and I do not wish to be; but, If I can make a few bucks, then so can anyone! xD

ExtentOld2417

USDC currently pays 3.5% on Coinbase (believe you need to be at the $5/month subscription tier and I’m not sure if it’s the same in the UK, but…). So you could deposit monthly there and think of it as an HYSA until you’re ready to buy

Player11Squared

Excited for this discussion! Quick question about real-world payment infrastructure: We’re building Theo, a digital bank for the Haiti-DR-US corridor launching Q1 2026. Our first signed customer will process remittances and merchant payments using USDC on Stellar to serve unbanked populations. One technical question: As Stellar’s smart contract ecosystem expands, what’s the vision for compliance tooling? For cross-border payments serving underbanked communities, we need to balance financial inclusion with AML/KYC requirements. Are there developments in programmable compliance or regulatory adapters that could help fintechs navigate multi-jurisdiction requirements while maintaining Stellar’s low-cost advantage? Looking forward to learning how the ecosystem is evolving to support regulated payment infrastructure!

edmcryptodad

100% in USDC. It’s going to pump any day now! 🚀

Flashy-Potatoe-Queen

The USD is losing trust worldwide. With all the stupid shit Trump did, people looked for more safe currencies for their reserves. The potential shut down incoming is the final straw that devalued the dollar. Trump's plan from the beginning was to devalue the dollar to reduce the weightbof the debt, it's working. USDC is doing perfectly fine, it's just the asset it is pegged to (USD) that is getting demolished.

JOliverScott

When the US dollar is weakening people start turning to gold to hedge against the decline in the dollar's value. Why not do the same thing in crypto, shift from USDC to PAXG or XAUT which is the digital equivalent. 

dAn_tHe_mAn7

No it’s a USDC vs EURX question

Phine420

I love doing a fear and greed strategy on a Single Account. If you put in 100$ into aave or xlend/moonwell and FG ist at 30, I will deposit 70% crypto (either pure btc or eth Mixed in) and 30% EURC ( and then borrow USDC against it). Rinde and repeat

order-odonata

Something to note - the services that ripple provide mostly run on USDC…they aren’t even using their own token.

JustStopppingBye

Crypto hasn’t failed if banks are involved. That assumption only makes sense if your goal was bank replacement, which was a fairy tale pipe dream. Youre actually insane if you think banks were getting replaced lol If youre using USDC, its issued by a regulated entity, backed by US Treasury securities and bank deposits, accessed through crypto friendly banks and reliant on banks for on/off-ramps. Congratulations bro, you beat the system. Youre only proving that banks and crypto rails can work together.

destinationexmo

If what you describe happens, crypto has failed. But it won't the banks getting involved may act as a bridge but there is absolutely 0 fucking reasons someone would choose to use a bank over crypto if Crypto evolves to what it was always expected to be. I have already moved literally ever USD I had in my banks to USDC in crypto friendly banks because I earn way more interest. You know the thing banks are adamantly fighting against right now and why coinbase pulled their support for the CLARITY act? Because banks know there is little reason from clients to use them over stablecoins.

Own-Cartographer409

Bybit options UI is good since it allow USD base option trade. My protocol provides USDC base trade and better spread

Fit-Preparation-4536

CIRCLE (USDC) wouldn’t help us develop the ecosystem if we were Bitconneeeeectt. 😅

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Post is by: Necessary-Long-2953 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qoav7g/dropped_platform_fees_to_0_on_my_crypto_project/ Been building a donation platform on Ethereum as a solo dev. Started with a 1% fee. I'll be honest — I could spin some idealistic story about cutting out middlemen, but the real reason is simpler: I'm not here to make money off this. It's a side project, I have a day job, and I'd rather see the thing get used than squeeze pennies out of early adopters. Patreon takes 8-12%. Ko-fi takes 5%. If I ever need to monetize, there are ways to do it without taxing every donation. For now, 0% just makes sense. A platform that doesn't extract value from its users — isn't that what decentralization is supposed to be about? Also just added USDC and USDT support. The volatility criticism is fair — stablecoins fix that. Still early. The real barrier is that most audiences aren't crypto-native yet. But if you're a creator with a Web3 following, direct wallet donations with no platform cut is a better deal than anything else out there. Happy to share more about the build if anyone's interested. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Grand_Introduction_4

Circle is the first digital FULL reserve bank! Partnerships with Apple Pay and Google pay and visa making Transaction settlements instantaneous for them removing any trouble, extra cost due to lag time and archaic banking rules and functionality. It's the start of commercially acceptable defi in action (even if nobody knows it's happening). T bills are cash equivalent. They buy up all the t bills and just collect interest. The gov passed the genius act so they could backdoor open digital currency as acceptable cash equivalent without creating an official gov coin and scaring people. All already in the game get to stay in the game and keep their money. And as an added bonus all transactions and buying of USDC, dollar for dollar, are buying t bills loaning money to the gov to perpetuate the debt ( um... I mean pay if it off, same difference) 40 trillion. Am I wrong?

PirateSKB

Ehh not true, I took some good profit on XMR which made me a bunch of USDC and I held for like 3 years. My average for Eth and BTC are lower than current prices so if I sold I would still walk away with a profit (but they're amounts that i'm cool with the price dropping a bit, but I am down a bunch of thousands since last month, but i'm still content)

ProgressiveLogic4U

It is not as simple as you may think. Ripple, the company, will succeed spectacularly, but it is a private company, so there is no way to profit specifically from its success. Sad for us? Ripple's software and rails have been standardized and regulated for trillions of dollars worth of transactions. That seems pretty clear. But that is the software, not the token XRP. The software can use any digitized token to transfer value from here to there. Ripple, the company, seems to have no direct competitors at the highest levels of finance, which are Central Banks and BIS, the central bank of central banks. The issue with XRP is that it is just one token that is available for digitized finance to use. The emergence of all sorts of stablecoins has cluttered the market with tokens of value. These stablecoins are also stable, LOL, which businesses prefer over volatile tokens like BTC. XRP was not supposed to be super volatile like BTC. But stablecoins now offer exactly what big finance and businesses want: extremely stable values. Will the financial item backing stablecoins suffice as value? Will US bonds or gold backing a stablecoin serve as the preferred form of token for world finance? Will the world accept the USDC (the Dollar) as the world's currency in token form? Will Tether's USDT (US Treasuries) serve as the token vehicle of value? Will the BRICS Unit (40% gold-backed) be permanently adopted by some nations? All I can say is that Ripple is the only real competitor when it comes to regulated finance. Finance requires extreme dependability and accountability when transferring trillions of dollars. Ripple has developed the only rails that meet the extreme confidence required for the big money to participate. XRP is the neutral token with the default position for easy, secure use by financial institutions of any size. The XRP token was built for the Ripple environment and is managed by Ripple, reflecting major advantages over other tokens. By default, XRP can be used immediately with the Ripple rails. But Ripple can use other tokens, too. The use of XRP will be minimal for payments when transferring other tokenized coins. So it has to remain viable. XRP is not going away. So will XRP make you rich? That is becoming debatable with the adoption of stablecoins. But XRP is still the default token. Other tokens might fall out of favor. Does the financial world really want to depend on the dollar and debt like US Treasuries in the future? Is there even enough physical gold in the world to reflect hundreds of trillions of dollars in value? Tether can only buy so much gold, and Central banks can only buy so much gold, before there is no gold left to buy.

No-Pepper6969

Look if it would be cheaper to convert, withdraw and rebuy elsewhere. USDC is pretty cheap. I used it to withdraw 70$ off kraken because you couldn't for amount lower then 0.0001 btc. Barely cost me 1%.

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Post is by: CarolStaley and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qnai7r/defi_strategy_for_concentrated_lp/ Hi, I found a common strategy for concentrated LP which seems too good to be true. 1. Deposit $1000 USDC to Aave 2. Borrow $500 Weth from Aave 3. Open Uniswap LP (Range -10% to 10%) using borrowed $500 weth and another $500 usdc for 70% apy. 4. Total capital $1,500. 5. If out of range for 48hrs, just close all positions, repay weth and start all over again. 6. You will be earning LP fees while hedged. Any hidden risks assuming u actively monitor the position. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Aerocryptic

All in all the major difference with the last bear market is the USD weakness. In 2022 my USDC was pumping against the EUR. This cycle PAXG was the stablecoin to pick

DBRiMatt

Ew. Tether. USDC for me!

No-Contribution9918

I suppose I should have said it *was* over-hyped. The hype for it died out, like many chains from the 2021 crypto boom. Just a lot of promises (scalability, Chainlink, Input Endorsers, rollups, BTC DeFi, USDC, Mamba, major Hydra applications...I could go on)/ Now, it has low usage, TVL, stables, fees/revenue, less dApps, virtually no RWA, etc.

DBRiMatt

I've used Cow.fi and had far more efficient trades then by just using Uniswap or Sushi.com for ETH/USDC trades. But for smaller tokens with less liquidity, I tend to just stick with a DEX like Sushi.com or others depending on the network.

Fluffy-Box9472

USDC to Hyperliquid and 3x Silver perp

Hatty_Hats

You've hit the classic "bridging nightmare" that scares people away from crypto. Don't feel dumb, the fact that you can accidentally create wallets you didn't know you had is a massive design flaw, not user error. When you "converted" to Polygon, you didn't convert. You bridged your USDC from Base to Polygon (two separate blockchains). Ramp generated a new Polygon wallet for you, and now your funds are split across chains.

aman_chamb

Hey, crypto yields crushing bank rates and sparking DC fights? Spot on—finally competing on real value, not just hype. Tips: - Weigh no FDIC vs. higher APYs; start small. - Diversify stables across audited protocols. - Track tax hits on earnings. - Blend with TradFi for safety net. Yieldseeker automates USDC on BASE as one DeFi option. Stablecoin setup?

Responsible_Gate6990

Solid start with BTC and ETH as your core. One thing to consider: keep some stablecoins (USDC) on the side and park them in DeFi lending (Morpho, Aave) for 4-6% while you wait for dips to buy. Beats having cash sitting at 0% in your bank.

Responsible_Gate6990

Banks are scared because DeFi already offers this. Morpho, Aave - 4-6% on USDC right now, non-custodial, no permission needed. The yield comes from real borrowing demand. No wonder they want to ban it.